Share Certificates

Share Certificates⁴
$1,000 Minimum – Penalty Will or May Be Imposed For Early Withdrawal

Certificate Term
6 months
12 months (Limited Time Special)
18 months Step-Up⁸ (Limited Time Special)
24 months
30 months Step-Up⁸ (Limited Time Special)
36 months
41 months Step-Up⁸ (Limited Time Special)
60 months
Dividend Rate
2.869%
3.942%
3.699%
1.79%
3.212%
2.03%
3.309%
2.82%
APY²
2.90%
4.00%
3.75%
1.80%
3.25%
2.05%
3.35%
2.85%

JUMBO Certificates⁴
$100,000 Minimum – Penalty Will or May Be Imposed For Early Withdrawal

Certificate Term
6 months
12 months (Limited Time Special)
18 months Step-Up⁸ (Limited Time Special)
24 months
30 months Step-Up⁸ (Limited Time Special)
36 months
41 months Step-Up⁸ (Limited Time Special)
60 months
Dividend Rate
2.967%
4.136%
3.796%
1.89%
3.309%
2.13%
3.407%
2.92%
APY²
3.00%
4.20%
3.85%
1.90%
3.35%
2.15%
3.45%
2.95%

Youth Certificates⁴
$100 Min. $30,000 Max. – Penalty Will or May Be Imposed For Early Withdrawal

Certificate Term
3 Month Add-On³
Dividend Rate
0.45%
APY²
0.45%

Share Accounts

Annual Percentage Yields (APY) on Share Accounts are accurate as of the last dividend declarations date of 6/30/2022

(S1) Share savings
Minimum Balance to earn Dividend
$100
Dividend Rate
0.10%
APY²
0.10%
(S3) Secondary Savings
Minimum Balance to earn Dividend
$100
Dividend Rate
0.20%
APY²
0.20%
(S7) Share Draft (Checking)
Minimum Balance to earn Dividend
$500
Dividend Rate
0.05%
APY²
0.05%
(S4) Christmas Club⁵
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
(S8) Vacation Club⁵
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
(s5) ira shares⁶
Minimum Balance to earn Dividend
$100
Dividend Rate
0.25%
APY²
0.25%
(s10) roth ira shares⁶
Minimum Balance to earn Dividend
$100
Dividend Rate
0.25%
APY²
0.25%
(s15) education ira shares⁶
Minimum Balance to earn Dividend
$100
Dividend Rate
0.25%
APY²
0.25%
(s25) Health savings account⁶
Minimum Balance to earn Dividend
$100
Dividend Rate
0.40%
APY²
0.40%
(s9) Youth Account
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
(s13) Teen Account
Minimum Balance to earn Dividend
$5
Dividend Rate
0.20%
APY²
0.20%
(S2) DID Account⁷
Minimum Balance to earn Dividend
$50
Dividend Rate
0.25%
APY²
0.25%
(S11) Share Plus⁷
Minimum Balance to earn Dividend
$50
Dividend Rate
0.25%
APY²
0.25%
(S21) Super Money Market⁷
Minimum Balance to earn Dividend
$1,000 - $24,999.99
Dividend Rate
0.30%
APY²
0.30%
(S21) Super Money Market⁷
Minimum Balance to earn Dividend
$25,000 - $49,999.99
Dividend Rate
1.29%
APY²
1.30%
(S21) Super Money Market⁷
Minimum Balance to earn Dividend
$50,000 - $99,999.99
Dividend Rate
1.39%
APY²
1.40%
(S21) Super Money Market⁷
Minimum Balance to earn Dividend
$100,00 - $249,999.99
Dividend Rate
1.49%
APY²
1.50%
(S21) Super Money Market⁷
Minimum Balance to earn Dividend
$250,000 - $499,999.99
Dividend Rate
1.59%
APY²
1.60%
(S21) Super Money Market⁷
Minimum Balance to earn Dividend
$500,000 -$999,999.99
Dividend Rate
1.785%
APY²
1.80%
Minimum Balance to earn Dividend
$1,000,000 +
Dividend Rate
1.98%
APY²
2.00%

Home Equity Loan Rates

Check with a CFCCU Loan Officer for exciting new options.

Home Equity Line of Credit⁹


Open End HELOC
APR¹ as low as
6.50%

Rates, terms and conditions subject to change and may vary based on qualifications, including creditworthiness and loan-to-value ratio. All loans subject to approval. 

Maximum APR¹ is 21.00%. Add 1.75% to interest rate for loans with loan-to-value ratio over 85%.

The required minimum payment is $100 or payment is calculated on a 15-year term based on current APR¹ and balance outstanding.

EXAMPLE: A $20,000 HELOC balance at 3.50% APR¹, the monthly payment will be $143.

Home Equity Loans Closed End⁹

Loan Term
5 Year (60 Month)
7 year (84 month)
10 year (120 month)
15 year (180 month)
20 year (240 month)
APR¹ as low as
6.40%
6.55%
6.64%
7.40%
7.90%

EXAMPLE: A $20,000 loan for a term of 120 months with a 6.64% APR¹, the monthly payment will be $229.

EXAMPLE: A $50,000 loan for a term of 180 months with a 7.40% APR¹, the monthly payment will be $461.

Auto Loan Rates

New Vehicle Loans
2020 & newer with 20,000 miles or less

Loan Term
48 months
60 months
66 months
72 months
84 months
APR¹ as low as
5.54%
5.54%
5.54%
5.64%
5.89%

EXAMPLE: A $20,000 loan for a term of 60 months with a 5.54% APR¹, the monthly payment will be $383.

Used Vehicles
2019 & newer with over 20,000 miles

Loan Term
48 months
60 months
66 months
APR¹ as low as
5.99%
5.99%
5.99%

Used Vehicles
2018 Model Year

Loan Term
48 months
60 months
66 months
APR¹ as low as
6.14%
6.14%
6.14%

Used Vehicles
2017 Model Year

Loan Term
48 months
60 months
APR¹ as low as
6.14%
6.39%

Used Vehicles
2016 Model Year

Loan Term
48 months
60 months
APR¹ as low as
6.54%
6.54%

Used Vehicles
2015 Model Year

Loan Term
36 months
48 months
APR¹ as low as
6.69%
6.69%

Used Vehicles
2014 Model Year

Loan Term
36 months
48 months
APR¹ as low as
6.69%
6.69%

Used Vehicles
2013 Model Year

LoanTerm
36 months
48 months
APR¹ as low as
6.79%
6.79%

Used Vehicles
2012 and Older Model Year

Loan Term
36 months
48 months
APR¹ as low as
9.29%
9.29%

Consumer Goods

Includes: fold-down campers, garden tractors, mopeds, scooters, computers, household good, and appliances 

New Consumer Goods

Loan Term
36 months
48 months
APR¹ (20% Down) as low as
7.60%
8.60%
APR¹ (0% Down) as low as
8.60%
9.60%

EXAMPLE: A $15,000 loan with 20% down ($12,000 financed) for a term of 36 months with a 7.60% APR¹, the monthly payment will be $374.

EXAMPLE: A $15,000 loan with no money down for a term of 36 months with an 11.10% APR¹, the monthly payment will be $492.

Used Consumer Goods

Loan Term
24 months
36 months
APR¹ (Wholesale) as low as
9.10%
10.10%
APR¹ (Retail) as low as
10.10%
11.10%

Recreation Loans

Includes: off road motorcycles, UTV's, ATV's jet skis w/trailers, and snowmobiles

New 2018 & Newer Model Year

Loan Term
72 Months¹⁰
APR¹ as low as
6.10%

¹⁰Loan amount must exceed $10,000 for 72-month term

EXAMPLE: A $15,000 loan $0 down, for a term of 72 months with a 6.10% APR¹, the monthly payment will be $250.

2014-2015 Model Year

Loan Term
48 Months
APR¹ as low as
9.50%

2016-2017 Model Year

Loan Term
60 Months
APR¹ as low as
6.75%

2013 & Older Model Year

Loan Term
36 Months
APR¹ as low as
10.50%

Personal Loan Rates

Loan Term
12 months
24 months
36 Months
48 months
60 months
APR¹ as low as
7.85%
8.85%
9.85%
10.35%
10.85%

EXAMPLE: A $3,000 loan for a term of 12 months with a 7.85% APR¹, the monthly payment will be $261.

¹APR – The Annual Percentage Rate is a variable rate and is subject to change without notice.
²APY – The Annual Percentage Yield Rate is a variable rate and is subject to change after account opening and without notice. APY is accurate as of the last dividend declaration date.
³Only available for members under age 18. Member may add to certificate balance at any time.
⁴Fees may reduce earnings on Share Certificates
⁵Fees may reduce earnings on Share Accounts
⁶Fees may reduce earnings on IRA & HSA Accounts
⁸Members can “Step-Up” the rate one time during the term of the certificate to the rate being paid on regular certificates of similar terms.
⁹Payments do not include taxes and insurance premiums. The actual payment obligation may be greater.